I don't agree at all. Scenario from article would be solved by UI if the requirement would be "SEND MONEY [YES/NO]; AMOUNT [XXXX]; APPROVALS [JANE/JACK/JILL]"

I don't agree at all. Scenario from article would be solved by UI if the requirement would be "SEND MONEY [YES/NO]; AMOUNT [XXXX]; APPROVALS [JANE/JACK/JILL]" but that is not what that window is doing and at that level there is no "SIMPLY SEND $7.8M; MAKE IT NOW [YES/NO];". I don't even know what it takes to move $7.8M to different accounts but I expect it is quite involved process that has to trigger multiple different things.